{"id":3985,"date":"2021-06-25T09:00:07","date_gmt":"2021-06-25T09:00:07","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=3985"},"modified":"2023-01-05T10:52:28","modified_gmt":"2023-01-05T10:52:28","slug":"difference-between-homeowners-insurance-and-mortgage-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/difference-between-homeowners-insurance-and-mortgage-insurance\/","title":{"rendered":"En qu\u00e9 se diferencia el seguro hipotecario del seguro de vivienda"},"content":{"rendered":"

Comprar una propiedad por primera vez puede ser desconcertante, especialmente cuando intenta descifrar la jerga de la compra de una casa. Al aprender sobre el tipo de seguro que necesita comprar, no mezcle el seguro del hogar y el seguro hipotecario.<\/span>\u00a0<\/span>The experts at <\/span>Altra Insurance Services, un proveedor l\u00edder de<\/span>\u00a0<\/span>seguro de hogar San Diego<\/span><\/a>\u00a0<\/span>los residentes pueden confiar, explique c\u00f3mo estos dos tipos de seguros son bastante diferentes.<\/span><\/p>\n

\u00bfQu\u00e9 es el Seguro de Hogar?<\/h2>\n

Este tipo de seguro lo protege financieramente si su casa y sus pertenencias son destruidas o da\u00f1adas. Esto cubre da\u00f1os por cosas como incendios, tornados, explosiones y disturbios. Los cobertizos, las cercas, los \u00e1rboles y los arbustos est\u00e1n cubiertos por los planes de seguro est\u00e1ndar para propietarios de viviendas. Si obtiene una hipoteca, su prestamista querr\u00e1 que tenga un seguro de hogar para salvaguardar su inversi\u00f3n financiera en la propiedad.<\/span><\/p>\n

\u00bfQu\u00e9 es el Seguro Hipotecario?<\/h2>\n

Este seguro a veces es requerido por un proveedor de hipotecas y lo protege en caso de que no cumpla con su pr\u00e9stamo. El seguro hipotecario no cubre su propiedad ni su participaci\u00f3n financiera en ella. Por ejemplo, a diferencia del seguro de hogar, no cubre muebles da\u00f1ados. Solo protege a la compa\u00f1\u00eda hipotecaria si no puede hacer los pagos de su hipoteca.<\/span><\/p>\n

Requisitos del prestamista de seguros de vivienda<\/h2>\n

Los proveedores de hipotecas generalmente requieren que obtenga un seguro de hogar antes de financiar su pr\u00e9stamo. Debido a que un prestamista tiene una participaci\u00f3n financiera en su casa, quiere asegurarse de que su inversi\u00f3n est\u00e9 segura si algo como un incendio destruye su casa.<\/span><\/p>\n

Requisitos del prestamista de seguro hipotecario<\/h2>\n

Si bien es posible que se requiera un seguro de vivienda, normalmente puede evitar el seguro hipotecario si realiza un pago inicial del 20 por ciento o m\u00e1s del valor de tasaci\u00f3n de la vivienda. Seg\u00fan el tipo de hipoteca que solicite, los proveedores de hipotecas requerir\u00e1n diferentes formas de seguro hipotecario. Por ejemplo, los pr\u00e9stamos tradicionales pueden requerir que adquiera un seguro hipotecario privado si realiza un pago inicial de menos del 20 por ciento del valor de tasaci\u00f3n.<\/span><\/p>\n

Pagos de seguros de propietarios de viviendas<\/h2>\n

Los pagos del seguro de vivienda y de la hipoteca se combinan ocasionalmente en un solo pago. Algunos acreedores insisten en que debe tener un acuerdo de dep\u00f3sito en garant\u00eda. Por lo general, la compa\u00f1\u00eda hipotecaria cobra el dinero como parte del pago de su pr\u00e9stamo, deposita el dinero en la cuenta de dep\u00f3sito en garant\u00eda y luego le paga a su proveedor de seguros de vivienda en su nombre. El prestamista puede garantizar que su seguro de propietario de vivienda se pague a tiempo al establecer esta cuenta de dep\u00f3sito en garant\u00eda.<\/span><\/p>\n

Pagos de seguro hipotecario<\/h2>\n

La forma en que realiza los pagos del seguro hipotecario est\u00e1 determinada por el tipo de pr\u00e9stamo que tiene. Si debe comprar un seguro hipotecario privado, la compa\u00f1\u00eda hipotecaria puede permitirle elegir entre un pago por adelantado y pagos mensuales adjuntos a su hipoteca.<\/span>
\n<\/span>
\n<\/span>Es probable que la compra de una casa sea uno de los eventos m\u00e1s importantes de su vida. Su casa y su contenido est\u00e1n protegidos por un seguro de propietario. Por otro lado, si no puede hacer los pagos de la hipoteca, se aplicar\u00e1 el seguro hipotecario. Dependiendo de su situaci\u00f3n, una o ambas de estas salvaguardas pueden ser necesarias.<\/span><\/p>\n

Para obtener un seguro de vivienda asequible y confiable, los propietarios de viviendas de San Diego saben que pueden confiar en Altra Insurance Services. Tambi\u00e9n proporcionamos alquileres, comerciales, motocicletas y <\/span>seguro de auto chula vista<\/span><\/a>. Los residentes locales pueden recibir una cotizaci\u00f3n gratis llamando hoy a uno de nuestros amables agentes al (800) 719-9972.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Comprar una propiedad por primera vez puede ser desconcertante, especialmente cuando intenta descifrar la jerga de la compra de una casa. Al aprender sobre el tipo de seguro que necesita comprar, no mezcle el seguro del hogar y el seguro hipotecario. Los expertos de Altra Insurance Services, un proveedor l\u00edder de seguros para el hogar en los que los residentes de San Diego pueden confiar, explican c\u00f3mo... <\/p>\n

Continue reading “How Mortgage Insurance Is Different from Home Insurance”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":3986,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-3985","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowners-insurance"],"yoast_head":"\nAre Home Insurance & Mortgage Insurance the Same?<\/title>\n<meta name=\"description\" content=\"New home buyers can easily get confused by the terms "home insurance" and "mortgage insurance." 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